ICICI Sapphiro
ICICI · Premium · Visa/MC/Amex
Annual Fee
₹3,500
Fee Waiver
₹6L annual spend
Lounge Access
6/year
Best Rate
0.5%
Network
Visa/MC/Amex
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
0.5%
✈️Travel
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
💡Utilities
0.25%
⛽Fuel
0%
How Points Work
2 pts/₹100 domestic (0.5%), 4 pts intl (1%), 1 pt utility (0.25%) · 1pt = ₹0.25
🚀 Boosted Rates (Partners & SmartBuy)
International spends4 points/₹100 (1%)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Golf 4 rounds/year6 lounge visits/yrConcierge1% on international
PROS
✅ Golf privileges
✅ Decent lounge access
✅ 1% on international spends
CONS
⚠️ Low domestic rate (0.5%)
⚠️ ₹3,500 fee
⚠️ No zero forex markup
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